There is a lot of anxiety and confusion that can arise after a severe storm. It causes many standard homeowners a lot of stress. When homeowners face storm damage, one of the most pressing concerns they have is whether insurance covers it. In this post, we will help clarify what storm damage typically includes and how insurance policies generally address these unfortunate events.
Understanding Storm Damage Coverage
Home insurance policies usually cover various types of storm damage. This often includes harm caused by wind, hail, lightning, and sometimes flooding. However, coverage can vary significantly depending on the specifics of your insurance coverage and the nature of the storm.
Wind and Hail Damage
Wind and hail are common elements of many storms. Most standard home insurance policies cover damage from these forces. This includes damage to your roof, siding, windows, and sometimes personal property inside your home if the storm breaches the exterior.
Lightning Strikes
Lightning strikes can cause fires or electrical damage. Generally, home insurance policies include coverage for such incidents. This can help with repairs to your home’s structure and replacement of damaged electrical systems or appliances.
Flood Damage
Flood damage is a more complex issue. Standard home insurance policies typically do not cover flooding caused by natural disasters like hurricanes or heavy rains. Instead, you need a separate flood insurance policy. This coverage can be crucial in a city like Houston because we are known for its heavy rainfall and susceptibility to flooding.
Navigating Your Insurance Policy
It’s vital to thoroughly review your insurance policy to understand the scope of your coverage. Pay close attention to the policy limits and deductibles. Knowing what is and isn’t covered will help you prepare better for potential storm damage.
Filing a Claim
If your home suffers storm damage, promptly file a claim with your insurance provider. Document the damage extensively with photos and detailed descriptions. This will support your claim and facilitate a smoother restoration process.
How Total Restoration Can Help
We specialize in disaster relief. We can assist you every step of the way, from emergency repairs to complete restorations. Our team works closely with insurance companies to ensure that you receive the coverage you’re entitled to, helping you get your life back to normal as quickly as possible.
In conclusion, while most home insurance policies cover various forms of storm damage, it’s essential to know the details of your specific policy. Understanding your coverage will better prepare you for the aftermath of a storm. And remember, Total Restoration is here to help you navigate these challenging times with expertise and compassion.
Contact us to learn how we can help you and your property during this storm season.
